Hawaii Campus
School of Business
Mission Statement
“Wayland Baptist University exists to educate students in an
academically challenging, learning focused and distinctively Christian
environment for professional success and service to God and
humankind.”
FINA 3315 – Personal Financial Planning
Term: Spring-CMP 2016, section HI01
February 22nd to May 14th, 2016
Wednesdays: 5:30 - 10:00 PM
Hybrid Course
Location:
Mililani Mauka Campus
Instructor:
Henrique Regina
Work phone number: (808) 488-8570 x347 – Fax: 8576.
Cellular phone number: (808) 222-9407
E-mail address: hregina@wbu.edu
Office Hours: By appointment.
Course Textbook: Lawrence J. Gitman, Michael D. Joehnk, Randall S. Billingsley,
Personal Financial Planning. 13th ed. 2014 South-Western, Cengage Learning.
ISBN: (13 digits) 978-1-111-97163-2 or (10 digits) 1-111-97163-3
Hybrid Course
This course will have 8 sessions in the classroom and 3 sessions
100% on-line delivered via Blackboard. The in-classroom meetings will be from
17:30 to 22:00. See the Course Schedule section (page 4) for class meetings
dates and delivery method.
Blackboard On-line Platform
This course will use Blackboard courseware. All registered students
automatically have access to Blackboard. An enrolled student can link to
Blackboard through the Wayland Baptist University main website by selecting the
“Current Students” link and clicking on the Blackboard link. Click here to go to
Blackboard https://wbu.blackboard.com. For first time users of Blackboard, see
instructions at Log-in page for accessing Blackboard. It is important that all
undergraduate students enrolled in this course establish a Wayland Email
account, as the instructor will periodically send emails to enrolled students
through Blackboard.
Course Description:
Recurring individual and family financial needs; budgeting, banking,
investing, insurance, real estate, credit, personal taxes, and life-long financial
planning.
Course Prerequisite (s): None
Course Outcome Competencies:
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Understand the foundations of the financial planning process
Understand the management of basic assets including cash, savings,
housing and automobile.
Understand the management of personal credit such as credit cards and
consumer loans
Understand the management of personal investments including stocks,
bonds and mutual funds
Understand the retirement planning process
Course Requirements:
General: read course assigned chapters before the class meeting as indicated on
the attached course schedule, attend all classes, participate in class discussions,
submit homework assignments and research paper and take all exams. Exams
must be taken as scheduled unless prior arrangements have been made with the
instructor. Homework assignments are due based on the course schedule.
Calculator: Calculator with exponential (power) key is required. A financial
calculator is optional.
Attendance:
All Wayland students are expected to attend every class meeting; the minimum
percentage of class participation required to avoid receiving a grade of "F" in the
class is 75%. Students who miss the first two class meetings without providing a
written explanation to the instructor will be automatically dropped from the roster
as a "no-show." Students who know in advance that they will be absent the first
two class meetings and who wish to remain in the class must inform the
instructor in order to discuss possible arrangements for making up absences.
Students enrolled at one of the university’s external campuses should make
every effort to attend all class meetings. All absences must be explained to the
instructor, who will then determine whether the omitted work may be made up.
When a student reaches that number of absences considered by the instructor to
be excessive, the instructor will so advise the student and file an unsatisfactory
progress report with the external campus executive director/dean. Any student
who misses 25 percent or more of the regularly scheduled class meetings may
receive a grade of F in the course. Additional attendance policies for each course,
as defined by the instructor in the course syllabus, are considered a part of the
university’s attendance policy. A student may petition the Academic Council for
exceptions to the above stated policies by filing a written request for an appeal to
the executive vice president/provost. (Catalog 2015-2016).
Assessment/Grading:
A. Homework (15%) – Two homework assignments covering the most
important topics from the course textbook. Each homework assignment is worth
75 points.
B. Hybrid Sessions Assignments (45%) – Each on-line meeting session will
require an assignment(s) to be completed. While the type of assignments may
vary, each on-line session will be worth 150 points total.
C. Exams (30%) - Both midterm and final exams are worth 150 points each. The
exams are take-home.
D. Attendance (10%) - The students can earn up to 100 points by attending and
participating in classes meetings.
Grade Scale:
Grade Scale
90 to 100 %
80 to 89%
70 to 79%
60 to 69%
0 to 59%
A
B
C
D
F
Homework
Hybrid
Assignments
Midterm Exam
Final Exam
Attendance
15%
Total
100%
45%
15%
15%
10%
Grade Appeal
A basic aspect of the teaching-learning process is the evaluation of student
performances and the assignment of grades. Student performance is evaluated
solely on an academic basis, and not on opinions or conduct in matters unrelated
to the course taken.
Faculty are responsible for providing syllabi which clearly specify course
objectives and/ or competencies, and for making clear the means of evaluation
for purposes of grading students. Students are responsible for class attendance,
for learning the content of any course of study and for those standards of
academic performance established for a given course. Students who violate
academic integrity and regulations by plagiarism, classroom misdemeanor, or
academic dishonesty will be held accountable to faculty and may have their
grades adjusted accordingly.
Students shall have protection through orderly procedures against
prejudices or capricious academic evaluation. A student, who believes that he or
she has not been held to realistic academic standards, just evaluation
procedures, or appropriate grading, may appeal the final grade given in the
course by using the following grievance and appeal procedures. Appeals are
limited to the final course grade, which may be upheld, raised, or lowered at any
stage of the appeal process. Appeals may not be made for advanced placement
examinations or course bypass examinations.
If a student feels the matter is not satisfactorily resolved at the student-faculty
level, the student should follow the steps below:
1. A student shall first present, in writing, the matter of grievance to the
instructor of the course. This must be done within thirty days after the
beginning of the next regular term. If agreement is reached, the faculty
member will either sustain the judgment made or make a change according
to the agreement reached within two weeks.
2. If the student feels the matter is not satisfactorily resolved at the studentfaculty level, the external campus student should submit the grievance to
the campus executive director within two weeks after the decision by the
professor. The external campus executive director will either sustain the
judgment of the professor or make a change according to the agreement
reached with the student within two weeks. The executive director will
notify the appropriate school dean of this decision.
3. If the student feels the matter is not satisfactorily resolved at studentexecutive director level, the grievance should be submitted to the dean of
the school in which the course is taught. The appeal must be made in
writing within two weeks after the faculty member or external campus
executive director has acted on the grievance; otherwise, the grievance
shall be considered withdrawn. The dean of the school will review all facts
and evidence in the case and mediate a decision within two weeks after the
receipt of the grievance. If the grievance is not further appealed, it will be
considered resolved.
4. If the student is not satisfied, he/she may request the executive vice
president/provost to refer the appeal to the university Faculty Assembly
Grade Appeals Committee. This request must be made in writing, must
include the basis for the appeal, and must be submitted within two weeks
following receipt of the decision of the dean of the school.
5. The student or faculty member may appeal the findings of the committee in
writing to the executive vice president/provost within one week after
receiving the committee’s report. The executive vice president/provost will
render a decision within two weeks and copies of such decision will be sent
to the student, the faculty member, the external campus executive
director, and the dean of the school involved. This decision shall be final in
all cases of grade appeals.
6. Failure to submit grievances within the required time period will negate the
student’s complaint.
Academic Honesty:
University students are expected to conduct themselves according to the
highest standards of academic honesty. Academic misconduct for which a student
is subject to penalty includes all forms of cheating, such as illicit possession of
examinations or examination materials, forgery, or plagiarism. (Plagiarism is the
presentation of the work of another as one’s own work.)
Disciplinary action for academic misconduct is the responsibility of the
faculty member assigned to the course. The faculty member is charged with
assessing the gravity of any case of academic dishonesty and with giving
sanctions to any student involved. Penalties that may be applied to individual
cases of academic dishonesty include one or more of the following:
1.
2.
3.
4.
5.
6.
7.
Written reprimand.
Requirement to redo work in question.
Requirement to submit additional work.
Lowering of grade on work in question.
Assigning the grade of F to work in question.
Assigning the grade of F for course.
Recommendation for more severe punishment (see Student Handbook for
further information).
The faculty member involved will file a record of the offense and the
punishment imposed with the school dean, external campus executive
director/dean, and the executive vice president/ provost. The executive vice
president/provost will maintain records of all cases of academic dishonesty
reported for not more than two years.
Any student who has been penalized for academic dishonesty has the right
to appeal the judgment or the penalty assessed. The appeals procedure will be
the same as that specified for student grade appeals. (See Student Handbook for
further information or, for external students, the external campus executive
director/dean).
Wayland Baptist University
Statement on Plagiarism and Academic Dishonesty
Writing is a collaborative art. Working out ideas for your paper with an
instructor, writing tutor, classmate, family member, or friend is encouraged not
only for this class, but also for other classes that involve writing. Discussion and
collaborative brainstorming are good. However, passing off another's writing or
ideas as your own is plagiarism. It is unethical, it constitutes Academic
Dishonesty (cheating), and it is sufficient grounds both for failure of a course and
suspension from the university.
Common examples of plagiarism or academic dishonesty include the following:

Copying any amount of text directly from an internet website, book, or
other document without appropriate citation and synthesis into one’s own
discussion.
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Paraphrasing the ideas presented in any source or oral discussion without
appropriate citation.
Using the evidence and conclusions of any source as the controlling
framework for one’s own paper.
Recycling work from a previous or current course, whether your own work
or another student’s work.
Purchasing or otherwise downloading a paper from an internet website.
In some writing assignments, you will be expected to incorporate scholarly
sources into your document. ALL OF THE FOLLOWING must be met to constitute
appropriate citation of any source:
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
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Including MLA, Chicago, or APA parenthetical or note-style citation format
as required by the instructor.
Placing borrowed text directly from another source within “quotation
marks.”
Introducing clearly another author’s voice into the document by means of a
signal phrase (an introduction of that author).
Offering, in short, a clear distinction between one’s own voice or ideas and
those of any outside authors brought into the discussion.
Wayland Baptist University observes a ZERO TOLERANCE policy regarding
Academic Dishonesty.
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Any suspected instance of academic dishonesty, including plagiarism, will
first be evaluated by the instructor and discussed individually with the
student.
If the instructor determines that a student’s actions constitute Academic
Dishonesty, the case will be filed with the dean of the School of Business
and reported to the university executive vice president/provost, as per
university policy.
Per university policy, second offenses RESULT IN SUSPENSION FROM THE
UNIVERSITY.
In this course, the first instance of Academic Dishonesty may also result in
a zero on the assignment.
Classroom Conduct
Students who disrupt a class will be directed to leave immediately and
report to the external campus executive director/dean or dean of students, who
will discuss with the student the cause of the disruption. The student will return
to the class only with permission of the executive director/campus dean or dean
of students and faculty member involved.
Special Needs
“In compliance with the Americans with Disabilities Act of 1990 (ADA), it is
the policy of Wayland Baptist University that no otherwise qualified person with a
disability be excluded from participation in, be denied the benefits of, or be
subject to discrimination under any educational program or activity in the
university. The Coordinator of Counseling Services serves as the coordinator of
students with a disability and should be contacted concerning accommodation
requests at (806) 291- 3765. Documentation of a disability must accompany any
request for accommodations”
Course Meetings Schedule
Foundations of Financial Plans
February 24th
(Module 1 – Classroom)
Chapter 1: Unders. the Financial Planning Process
Chapter 2: Your financial statements and Plans
Foundations of Financial Plans
March 2
(Module 2 – Classroom)
nd
Chapter 2 Time Value of Money
Homework 1 Due
Foundations of Financial Plans & Managing Basic Assets
March 8th
(Module 3 – On-line)
Chapter 3: Managing your Taxes
Chapter 4: Managing your cash & Savings
Homework 2 due
Managing Basic Assets
March 22nd
Chapter 5: Making Automobile & Housing Decisions
(Module 4 – Classroom)
Module 3 On-line Assignments Due
Managing Credit
March 29
th
(Module 5 – On-line)
Chapter 6: Borrowing on Open Account
Chapter 7: Using Consumer Loans
Managing Investments
April 5th
(Module 6 - classroom)
Chapter 11: Investment Planning
Module 5 on-line Assignments due
Midterm Exam Due
Managing Insurance Needs
April 12th
(Module 7 – On-line)
April 19th
(Module 8 – Classroom)
Chapter 8: Insuring Your Life
Chapter 9: Insuring Your Health
Chapter 10: Protecting your Property
Managing Investments
Chapter 12: Investing in Stocks & Bonds Chapter
13: Investing in Mutual Funds
Module 7 on-line Assignments due
Retirement Planning & Estate Planning
April 26
th
Chapter 14: Planning for Retirement
(Module 9 - Classroom)
Chapter 15: Preserving your Estate
Final Course Meetings
May 3
(Module 10 – Classroom)
May 10th
(Module 11 – Classroom)
rd
Make up Class
Final Exam Due & Course Final Review